Is car insurance expensive in West Virginia?

How much does car insurance cost in WV?

The average cost of car insurance in West Virginia is $458 on average per year for state minimum liability coverage and $1,499 annually for full coverage. By shopping for quotes with multiple auto insurance companies to compare West Virginia rates, drivers can find affordable coverage to meet their needs.

Does West Virginia require car insurance?

West Virginia law requires all drivers in the state to carry car insurance. The state also requires you to carry proof of insurance, which must be shown to law enforcement officials at their request.

How much is a ticket for no insurance in WV?

The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in West Virginia include fines of $200 to $5,000, imprisonment of 15 days to 1 year, and suspension of licensure.

What is the minimum auto insurance coverage in West Virginia?

Here are the minimum requirements and limits for West Virginia car insurance coverages: Bodily injury liability: $25,000 per person and $50,000 per accident. Property damage liability: $25,000 per accident. Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.

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What are the legal requirements for insurance in WV?

To drive in West Virginia, you’ll need to carry auto insurance with liability and uninsured motorist coverage. A minimum-coverage policy includes $25,000 for bodily injury liability insurance per person and $50,000 per accident, along with $25,000 for property damage.

Does ZIP code affect car insurance?

Your specific ZIP code will affect what you pay on average for auto insurance. When you do an insurance rate comparison by ZIP code, you will find that auto insurance rates can drastically change within the same local areas based on their differing ZIP codes.

What state does not require car insurance?

New Hampshire is the only state that doesn’t require residents to have insurance, or even prove they could cover their liability in an accident, according to the Insurance Information Institute and Property Casualty Insurers Association of America.

What state has no sales tax on cars?

Avoiding sales tax can be incredibly beneficial to your car purchase, but it’s only possible in some states according to Wide Open Roads. Alaska, Montana, Oregon, Delaware, and New Hampshire have no statewide sales tax.

Will you go to jail for driving without insurance?

In most states, driving while uninsured is considered a misdemeanor offense, and can potentially lead to a prison sentence. Jail time will most likely not be imposed for a first offense, unless you cause a serious accident. But repeat offenses will incur higher fines and stiffer punishments, possibly including jail.

Can I get car insurance without a license in WV?

It will be difficult — and potentially expensive — to purchase car insurance without a valid driver’s license. Car insurance companies see risk in an unlicensed driver, regardless of your reason for being unlicensed. Some insurance companies will cover you if you have a state-issued ID card.

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Can the police tell if you have no insurance?

Can police tell if you have no insurance? Yes, they can. However, you need to be pulled over, or stopped for some reason first. Although technology is good, police usually won’t run an insurance check unless they have cause.